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Terms of Service

Terms of Service

These Terms of Service ("Terms") are a contract between you and Lendingo LLC ("Lendingo", "we", "us") and govern access to and use of lendingo.io, lender workspaces, the borrower portal, public intake, the staff assistant, and related APIs and integrations (the "Service").

Loan documents, term sheets, promissory notes, and other transaction-specific agreements have their own terms and control where they apply.

Last updated August 18, 2026

Agreement

By accessing or using the Service, creating an account, founding a workspace, or submitting an inquiry, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service. If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization, and "you" includes that organization.

These Terms are effective as of the date above. We may revise them as the Service evolves. The revised Terms will be posted at lendingo.io/terms-of-service with an updated date. Continued use after they take effect means you accept the revised Terms.

The service

Lendingo is a multi-tenant software platform that lending companies use to operate investor real-estate lending businesses, including DSCR rental and fix-and-flip programs. The Service may include workspace administration, staff tools, quoting against approved loan programs, borrower portal access, a staff assistant, Slack and HubSpot connections, and public investor intake.

Lendingo LLC also publishes public information and receives business-purpose loan inquiries. Lendingo is NMLS ID #2412937. The platform enables a lender's business; it does not present Lendingo itself as every lender that uses a workspace.

We may change, suspend, or discontinue features. We work to keep the Service available, but availability may be interrupted for maintenance, security, or reasons outside our control.

Accounts and workspaces

You must be at least 18 years old and able to form a binding contract. You must provide accurate information and keep it current.

Staff typically sign in with Google or a password. Invited borrowers may receive a secure email link. Google Sign-In or an email link verifies identity; it does not by itself create access. Workspace membership, role, and activation state determine whether you may enter a private area.

A person who founds a workspace is responsible for that workspace: naming it, inviting staff, configuring origination settings, and controlling who may see borrower and deal records. You must not share passwords, sign-in links, or sessions, and you must notify us promptly of suspected unauthorized access.

We may refuse, suspend, or close an account or workspace to protect users, data, or the Service, or if you violate these Terms.

Investor inquiries

The public /start flow lets an investor describe a business-purpose, non-owner-occupied financing need. Submitting that form is an inquiry, not a consumer credit application under the Equal Credit Opportunity Act. Lendingo does not pull credit as part of that public form.

By sending an inquiry you authorize Lendingo and the lender workspace that receives it to contact you about the request by email, phone, or similar means, including at the number you provide. Message and data rates may apply.

Financing information and decisions

Nothing in the Service is loan approval, pre-approval, committed pricing, a rate lock, a commitment to lend, or a guarantee of funding. Quotes, program fits, and assistant output are indicative tools for authorized users. A human lender remains responsible for credit decisions and for any documents that actually bind the parties.

Public pages do not display live rates or pricing until the relevant lender programs have passed their internal approval gates. Until then, public flows end in a stated human follow-up.

Google account data used for sign-in is not used to evaluate creditworthiness, determine loan eligibility, underwrite a loan, set pricing, or make a lending decision.

Loans offered through the Service are for business purposes and non-owner-occupied real estate. They are not owner-occupied consumer mortgages unless a separate product and disclosure expressly say so.

Acceptable use

You agree that you will not:

  • Probe, scan, or bypass security or access controls, or attempt to access another workspace or another person's records.
  • Impersonate any person, misrepresent your affiliation, or submit information you are not authorized to share.
  • Use the Service to violate law, including fair-lending, privacy, export, or anti-spam rules.
  • Reverse engineer, scrape private content, overload the Service, or interfere with others' use.
  • Use Google user data, or any other personal information in the Service, except as allowed by these Terms, our Privacy Policy, and applicable law.

Customer content and intellectual property

You retain ownership of the deal, borrower, and workspace data you submit ("Customer Content"). You grant Lendingo a worldwide, non-exclusive license to host, process, transmit, and display Customer Content solely to provide and protect the Service, including through subprocessors and integrations you enable.

You represent that you have the rights needed to submit Customer Content and that doing so will not violate a third party's rights or confidentiality duties. Lender customers are responsible for their staff's use of the workspace and for notices they owe their own borrowers.

The Service, its design, software, loan-program engines, and original content are owned by Lendingo LLC or its licensors and are protected by intellectual-property laws. These Terms grant only a limited, revocable, non-transferable right to use the Service for your authorized Lendingo relationship. They do not transfer ownership.

Third-party services

The Service relies on independent providers, including Google for staff sign-in, our identity and database vendors, Vercel for hosting, and — when a workspace connects them — Slack, HubSpot, and capital partners. Their services are governed by their own terms and privacy notices. Lendingo is not responsible for third-party sites or for a lender's configuration of a connected tool.

Disclaimers, liability, and indemnity

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, LENDINGO DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. We do not warrant that quotes, assistant output, or integrations are error-free or that the Service will be uninterrupted.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LENDINGO AND ITS MEMBERS, OFFICERS, AND SUPPLIERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR CLAIMS ARISING OUT OF THE SERVICE WILL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS ($100) OR THE AMOUNTS YOU PAID LENDINGO FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM.

Some jurisdictions do not allow certain limitations. In those places, the limits apply to the fullest extent permitted.

You will indemnify and hold Lendingo harmless from claims, damages, and expenses (including reasonable attorneys' fees) arising out of your Customer Content, your use of the Service, your violation of these Terms, or your violation of law or a third party's rights.

Governing law

These Terms are governed by the laws of the State of Florida, excluding conflict-of-law rules. Courts located in Monroe County, Florida, will have exclusive jurisdiction, except that Lendingo may seek injunctive relief in any jurisdiction to protect the Service or intellectual property.

Contact

Questions about these Terms: loans@lendingo.io

Lendingo LLC
215 E Bruce Ct
Marathon, FL 33050
NMLS ID #2412937

Phone: (800) 547-9080 or (833) 546-3466